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Correlational findings

Study Guven (2009b): study NL 1993

Public:
16+ aged, households' members, Netherlands, 1993-2006
Survey name:
NL--DHS 1993
Sample:
Respondents:
N = 4500
Non Response:
Assessment:
Questionnaire: web

Correlate

Authors's label
Use of phone/internet banking and ATM
Our Classification
Operationalization
a: "Do you use phone banking?"
b: "Do you use internet banking?"
Rated as:
    1: no
    2: yes, very rarely
    3: yes, every now and thn
    4: yes, often
    5: yes, very often

c: "Do you prefer to go to ATM or counter of a bank?"
    1: I prefer the ATM
    2: I prefer the bank
    3: I have no particular preference

Observed Relation with Happiness

Happiness Measure Statistics Elaboration / Remarks O-HP-u-sq-v-5-a b = +.02 Using phone banking O-HP-u-sq-v-5-a b = +.03 Using internet banking O-HP-u-sq-v-5-a b = +.03 Preference for ATM or counter of a bank O-HP-u-sq-v-5-a b = -3.1 Using internet banking O-HP-u-sq-v-5-a b-iv = -2.7 Using phone banking O-HP-u-sq-v-5-a b-iv = -1.6 Preference for ATM or counter of a bank

Instrument for happiness:
- last ten days cloud cover deviation

Bs controlled for:
- Personal characteristics
  - labor force status
  - marital status
  - household size
  - gender
  - health status
  - age
  - number of children
  - schooling
  - income
- province
- year fixed effects